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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,063 | $77,962-55.0% | $178,540-80.4% | $80,935-56.7% |
| Participation rate | 92.5% | 65.7%+26.8pp | 77.1%+15.4pp | 67.7%+24.8pp |
| Annual return | 31.15% | 18.10%+13.1pp | 27.15%+4.0pp | 35.66%-4.5pp |
| Employer contribution / active EE | $4,648 | $2,280+103.8% | $3,953+17.6% | $2,757+68.6% |
| Participant deferral / active EE | $6,932 | $4,404+57.4% | $6,281+10.4% | $4,299+61.2% |
| Admin fee / account holder | $4,398 | $7,156-38.5% | $10,424-57.8% | $6,924-36.5% |